Terms & Conditions

Last updated: 5 November 2026

These terms apply to your use of chip-in.ai and to chip-in's beta test. By joining the waitlist, creating an account or using the beta, you agree to them. If you do not agree, please do not use chip-in. Our Privacy Policy explains how we handle your information.

1. Who we are

chip-in is run by Chip-In.AI Limited ("chip-in", "we", "us"), a company registered in England and Wales with company number 16573404. Our registered office is The Foundry, Blackfriars Road, London, England, SE1 8EN. You can contact us at hello@trychipin.com.

2. What these terms cover

These terms cover the chip-in website, the waitlist, and the early, pre-release version of chip-in that we are testing with a small group of people (the "Beta"). We will replace them with full terms before public launch.

3. The waitlist

• Joining the waitlist is free and does not guarantee you a place in the Beta or any product or service.
• We plan to open testing in December 2026 and to invite around 100 people. These are plans, not promises, and dates, numbers and features may change.
• We choose who is invited and we do not have to give a reason.
• You can leave the waitlist at any time by emailing us.

4. The Beta

• It is unfinished. The Beta is a test version. It may contain errors, change without notice, be unavailable, or lose data. Please do not rely on it for anything critical.
• No obligation. We can change, pause or end the Beta, or remove your access, at any time. We have no duty to launch chip-in or to keep any feature.
• Confidentiality. The Beta, and anything you learn about unreleased features, is confidential. Please do not share screenshots, recordings or details publicly without our written permission.
• Feedback. We would love to hear what you think. If you give us feedback or ideas, you agree that we can use them freely to improve chip-in, without paying you or crediting you.
• Free of charge. We do not charge for the Beta. We may offer paid features in future and will tell you first.

5. Your account

• You must be 18 or over to use chip-in. When you sign up, you confirm that you are 18 or over and agree to these Terms and Conditions and our Privacy Policy.
• You must give us accurate information and keep it up to date.
• Keep your sign-in details, and any codes we email you, secure. You are responsible for activity on your account, and you should tell us straight away if you think someone else has used it.
• You may have one account.

6. Using chip-in

chip-in helps groups decide, organise and pay for plans. When you use it:

• Organisers must only add people they know, who would reasonably expect to be invited, and must have a good reason to share their contact details with us. You are responsible for the plans you create.
• You authorise chip-in to message participants on your behalf. First messages use wording approved in advance by WhatsApp, and chip-in may send up to two nudges per participant for each decision. You approve every message chip-in sends to the group before it is sent, and you cannot unsend an invitation. In each participant’s private chat, chip-in replies directly.
• Participants may be contacted by chip-in on the organiser's behalf. You can ask us to stop at any time.
• You must not use chip-in unlawfully, to harass, mislead or spam anyone, to send harmful or abusive content, to try to break or gain unauthorised access to our systems, to use automated tools to access chip-in, or to copy or reverse engineer it.
• chip-in uses AI to make suggestions. Suggestions may be wrong, so please check them before you act on them. You remain responsible for your decisions.

7. Payments and payment links

chip-in does not take, hold, send or process payments, and it is not a bank or payment service. During the Beta, groups may share payment links with each other, for example by email or WhatsApp, but chip-in does not handle those payments. Any payment you make through a link is made directly with that link's provider (such as your bank or a payment app), under that provider's terms.

We do not create, check or guarantee any payment link, and we are not responsible for payments, for a person who does not pay, or for a link that is wrong, expired or misused. Only pay links from people you know and trust, and check the details before you pay. If we add payment features in future, separate terms will apply and you will see them first.

8. Deleting your account

You have the right to delete your account at any time. You can ask in the app, from the Account menu, or by emailing hello@trychipin.com. We will then delete your account and the personal information linked to it, within 30 days of confirming your request, and we will confirm to you once it is done.

Deleting your account ends your access to the Beta. We may keep information we are legally required to keep, information that no longer identifies you, and a record of your deletion request, as described in our Privacy Policy. If you are an organiser, the events you created are deleted too, and we stop messaging the participants in them. Please settle any money you owe your group before you delete your account. More detail is in our Privacy Policy.

9. Suspension and ending your access

We may suspend or end your access if you break these terms, if we reasonably think you are misusing chip-in or putting others at risk, or if the Beta ends. You can stop using chip-in at any time.

10. Our content and brand

The chip-in name, logo, design, software and content belong to us or our licensors. We give you a personal, limited, non-transferable right to use the Beta for its intended purpose while you have access. You keep ownership of the content you add, and you give us permission to use it only to run and improve chip-in as described in our Privacy Policy.

11. Third-party services

chip-in works through WhatsApp, which is provided by Meta, and relies on other third-party providers. Your use of WhatsApp is subject to Meta's own terms. We are not responsible for third-party services or for any links to other websites.

12. Our responsibility to you

We provide the website and the Beta "as is" and "as available", and we do not promise they will be free of errors, always available, or suitable for your needs. Nothing in these terms limits our responsibility for death or personal injury caused by our negligence, for fraud, or for anything else the law does not allow us to limit. Subject to that, we are not responsible for losses that were not reasonably foreseeable, for lost profits, business or data, or for losses caused by other people in your plan or by payment links shared through chip-in. Our total responsibility to you for anything connected to the website or the Beta is limited to £100.

13. Changes

We may update these terms as the Beta develops. We will change the date at the top and tell you about important changes by email or in the app. If you keep using chip-in after a change, you accept the updated terms.

14. Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction, although if you live elsewhere in the UK you may also be able to bring a claim in your local courts.

15. Contact

Questions about these terms? Email hello@trychipin.com.